Refer a friend. Get $10.

Share Ethos with a friend. If they create an account, you get $10. It’s that easy.
Group of friends stacking hands
Here’s how it works:
number 1 circle icon
Share your link
Share your unique referral link with friends and family—anyone you think may benefit from life insurance, as long as they meet our general eligibility requirements.
number 2 circle icon
Get $10
Your referral will need to use your link to create an Ethos account. Once they do that, you’ll get $10.
number 3 circle icon
Repeat
You can refer up to 5 friends and family members. That could get you $50!
Who should I refer?
Anyone you personally know who could benefit from life insurance coverage, especially someone who falls into one of the following categories.
Two life partners embracing
Married couples
Every person who's married should consider having coverage to protect their better half.
A child's mobile
Parents
If they've got kids, they've got things like college tuition to protect.
House keys
Homeowners
Homeowners should consider protecting their mortgage and other home-related expenses with life insurance.
An older individual
Caregivers
If someone like an elderly parent relies on them for financial support, they may need coverage in case something were to happen to them.
Frequently asked questions
How many people can I refer?

You can refer up to 5 people! Also, you may not 1) spam strangers with your link or 2) distribute or publish your link to a social media platform to crowdsource referrals. When telling friends about Ethos, you should not discuss the details of the policies, coverage amounts, or rates. You also cannot pay anyone to apply for coverage or pay anyone to help you solicit referrals.

Who can I refer?

Anyone you think may benefit from life insurance, as long as they meet our general eligibility requirements. All U.S. citizens and permanent residents between the ages of 20 and 85, and who live in a state where we operate, can apply. Ethos is licensed and operates in 49 US states and the District of Columbia, excluding the state of New York.

Who can’t I refer?

You cannot refer yourself, any fake accounts, or the same person more than once. You cannot refer anyone you do not personally know.

Where’s my $10?

If someone you know applies using your link, your gift card will be delivered to your email inbox after they create an account with us.

Got more questions?

Feel free to email referrals@ethoslife.com with any questions.

The (important) fine print

The terms of our referral program make clear that you can only refer your friends, family members, or colleagues whom you personally know. The program explicitly prohibits:

  • Posting referral codes on any website to share the codes with people you do not personally know
  • Paying someone to apply to Ethos for coverage
  • Creating multiple or fake accounts with Ethos
  • Using bulk distribution or spam email to strangers
  • Referring a person more than once
  • Encouraging people to submit inaccurate information in their application to get approved (this is insurance fraud, which may be prosecuted as a felony)

This Program only applies to Legal & General America/Banner Life, Ameritas, and AAA Life products.

At Ethos, we always aim to do the right thing and comply with all laws, so we’re not able to provide referral rewards to anyone who violates these terms. These guidelines are here to help you avoid violating any laws while sharing Ethos. So please don’t violate these rules, because insurance fraud is serious, and we don’t want anyone committing felonies.

We take privacy seriously. By using our site you agree to our privacy policy.
Disclaimer: Please note that we may amend the terms of our referral program at any time, with or without notice, and we may terminate your ability to participate for any reason (such as if you violate these rules or break any laws). So, please don’t break any laws, because we like sending you gift cards for referring your friends.